I have a family business, and was told we cannot buy a group health plan. Is this true?

Question: We are a family business that includes me, my wife and son. We were told we can not buy a group health plan since the only employees are all family members. Is this true?

-Dan

Answer: To be eligible for a small business health insurance subsidy, your family business must have at least one employee who is not a family member. However, your family may be eligible for a subsidy to help with the purchase of individual coverage on an exchange, if your income for the year is less than 400 percent of the federal poverty level.

 


Robert I. Field, Ph.D., J.D., M.P.H. is a professor of law at the Earle Mack School of Law and professor of health management and policy at the School of Public Health at Drexel University. He also writes for The Field Clinic blog. Ask Rob your questions about the new healthcare law.

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